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Blue Cross Blue Shield (BCBS) is an association of insurance companies in the United States that offer Medicare Advantage in every state, Washington D.C., and Puerto Rico. Glossary of Medicare terms
Prior to the Patient Protection and Affordable Care Act, effective from 2014, about 34 states offered guaranteed-issuance risk pools, which enabled individuals who are medically uninsurable through private health insurance to purchase a state-sponsored health insurance plan, usually at higher cost, with high deductibles and possibly lifetime ...
The catch-22 associated with health insurance — even with subsidies — is that the low-cost plans that most people can afford come with outrageously high deductibles, leaving the policyholder ...
Blue Cross and Blue Shield insurance companies are licensees, independent of the association and traditionally of each other, [16] offering insurance plans within defined regions under one or both of the association's brands. Blue Cross Blue Shield insurers offer some form of health insurance coverage in every U.S. state.
The researchers note that other factors such as health status and the complexity of the market can also affect the purchase of individual health insurance, but conclude that they are unlikely to be the primary drivers of low coverage rates. [14] Many states allow medical underwriting of applicants for individually purchased health insurance.
Two health insurance plans mean paying two premiums and deductibles. This situation means a greater monthly cost for premiums and a higher out-of-pocket cost to satisfy the deductible limit for ...
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